2026 Social Security earnings test estimator
Estimate benefits potentially withheld when working before full retirement age.
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Results update as you change the inputs.
Estimated benefits withheld$7,760
- Benefits before test
- $26,400
- Benefits remaining in modeled period
- $18,640
- Earnings exempt amount used
- $24,480
- Earnings tested
- $40,000
SSA applies special first-year, monthly, self-employment, family-benefit, and FRA-month rules. Withheld benefits may increase later monthly benefits after FRA.
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Use the estimate to ask a better question.
Bring the assumptions, your records and the result to a tax professional before acting on a material tax or retirement decision.